About CCRIS (Tentang CCRIS)

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CCRIS = Central Credit Reference Information System

SUMMARY CREDIT REPORT

The Summary Credit Report displays summarised information relating to the
customer’s current and potential liabilities arising from credit facilities obtained
from the financial institutions in Malaysia. The liabilities include those where the
customer has obtained borrowings of its own, liabilities of joint-accounts, sole
proprietorships/partnerships/professional bodies in which the customer is an
Owner/Partner of the business. It also includes liabilities where the customer is a
guarantor for other borrowers.

How to check my CCRIS?

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Part 1 – Experience with MLM

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In Malaysia, everybody knows what MLM is. It stands for Multi Level Marketing. How this business influences Malaysian people?…including me.

Since I first start working in 2003, until before I get married, my salary was just good enough for me. Even I can’t save much, but I still could make some saving. But it changed after I get married. My commitments were become different. There were a lot of things that we need when we are in a family. Then I realized that my current salary is not good enough for us to get better life. So what we did?

I started looking for side income. But I couldn’t do part time job at that time. I was an Engineer at one of Semiconductor Company in Kuala Langat. I always turn back late, even without OT…too bad huh!…but that was my first job…biasala, semangat lebih…haha.

So what we could do to get side income is by doing MLM. No need huge modal, with less than RM100, you can become a member. I joined few MLM…start from Elken, Amway, Network 21, and then Uptrend. The last one was JAI…most people said JAI is not MLM, but now the company’s account has been frozen by Bank Negara and charged illegal. I heard the company has been charged because they doing MLM business without a proper license. So now I considered JAI as MLM too.

What we get after few years with MLM? We lost our time, we lost few k especially with JAI, but we got a good lesson. In fact, none of my uplines in each MLM are really success with MLM after few years. Its not easy as what they keep said to me huh. Now I really 100% don’t believe with MLM or any other business that similar with it.

What I’m doing now? I’m doing financial planning, and hope can share with you guys how I clearing my debts. To be continue…

2 Jenis Hutang

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2 jenis hutang tu adalah Hutang Tertangung dan Hutang Lapuk.
Hutang Tertanggung:
Hutang yang diambil untuk membiayai aset yang bertambah nilainya, seperti harta tanah dan pendidikan.

Hutang Lapuk:
Hutang yang diambil untuk membeli barang yang tidak akan bertambah nilainya atau yang akan susut nilainya. Ini adalah benda-benda yang dibeli secara sewa beli seperti kereta, peralatan elektrik dan perabot.?

Jadi sekarang cuba imbas, hutang yang mana banyak bagi anda. Apa tunggu lagi…mari kita selesaikan semua Hutang Lapuk…tarak untung!!